East County Schools Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
4.00%	Reward Checking	2.12% - National Average
2.27%	5-year CD	2.25% - National Average
1.00%	1-year CD	2.75% - Goldman Sachs Bank USA High-yield 12 Month CD

View all East County Schools Federal Credit Union rates »

Overview / Commentary

www.eastcountyschools.org

619-588-1515

1069 Graves Ave Ste 100
El Cajon, CA 92021-4573

East County Schools Federal Credit Union is headquartered in El Cajon and is the 138^th largest credit union in the state of California. It is also the 1,437^th largest credit union in the nation. It was established in 1956 and as of September of 2018, it had grown to 18 employees and 4,338 members at 2 locations. East County Schools Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in East County Schools Federal Credit Union is open to employees who work in the East County educational community.
See current membership details

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Health

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	11099
Year Chartered	1956
Employees	18
Primary Regulator

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	7.29%
Annual Interest Income	$2.7MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$121.0MM$108.3MM
Loans	Q3 2018vs Q3 2017	$79.4MM$71.5MM
Deposits	Q3 2018vs Q3 2017	$106.3MM$98.0MM
Equity Capital	Q3 2018vs Q3 2017	$10.0MM$9.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$281.00K$274.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$63.00K$143.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

East County Schools Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$5	-	IRA Share Account
0.10%	$5	-	Regular Shares (Savings)

East County Schools Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	Platinum Access Money Market
OTHER TIERS: 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k
0.15%^*	$25k^*	-	Money Market Shares
OTHER TIERS: 0.05% → $1k - $2.5k \| 0.10% → $2.5k - $25k

East County Schools Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	-	$2.5k	e-Checking - Qualifying
OTHER TIERS: 0.10% → $10k+ \| 0.25% → $5k - $10k \| 2.50% → $2.5k - $5k
0.01%	-	-	Share Drafts (Regular Checking)

East County Schools Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	60 Months CD
OTHER TIERS: 2.12% → $1k - $10k
1.87%^*	$10k^*	-	48 Months CD
OTHER TIERS: 1.81% → $1k - $10k
1.61%^*	$10k^*	-	36 Months CD
OTHER TIERS: 1.56% → $1k - $10k
1.41%^*	$10k^*	-	24 Months CD
OTHER TIERS: 1.36% → $1k - $10k
1.41%^*	$10k^*	-	30 Months CD
OTHER TIERS: 1.36% → $1k - $10k
1.21%^*	$10k^*	-	18 Months CD
OTHER TIERS: 1.16% → $1k - $10k
1.00%^*	$10k^*	-	12 Months CD
OTHER TIERS: 0.95% → $1k - $10k
0.55%^*	$10k^*	-	6 Months CD
OTHER TIERS: 0.50% → $1k - $10k
0.45%^*	$10k^*	-	3 Months CD
OTHER TIERS: 0.40% → $1k - $10k

East County Schools Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	60 Months IRA
OTHER TIERS: 2.12% → $1k - $10k
1.87%^*	$10k^*	-	48 Months IRA
OTHER TIERS: 1.81% → $1k - $10k
1.61%^*	$10k^*	-	36 Months IRA
OTHER TIERS: 1.56% → $1k - $10k
1.41%^*	$10k^*	-	24 Months IRA
OTHER TIERS: 1.36% → $1k - $10k
1.41%^*	$10k^*	-	30 Months IRA
OTHER TIERS: 1.36% → $1k - $10k
1.21%^*	$10k^*	-	18 Months IRA
OTHER TIERS: 1.16% → $1k - $10k
1.00%^*	$10k^*	-	12 Months IRA
OTHER TIERS: 0.95% → $1k - $10k
0.55%^*	$10k^*	-	6 Months IRA
OTHER TIERS: 0.50% → $1k - $10k
0.45%^*	$10k^*	-	3 Months IRA
OTHER TIERS: 0.40% → $1k - $10k

Locations

East County Schools Federal Credit Union Locations
Branch Office	1069 Graves Ave Ste 100	El Cajon, CA 92021-4573
Branch Office	8313 La Mesa Blvd	La Mesa, CA 91942

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